AmeriTrust Financial Technologies (AMT) Q4 2025 earnings summary

Executive summary

• Cash on hand increased to $36.97M at year-end 2025 from $10.23M at year-end 2024, with working capital surplus rising to $30.42M from $4.00M year-over-year.

• 2025 was described as a foundational year, with enhancements to the leasing technology platform and integration of AI-enabled credit risk assessment and underwriting.

• Three dedicated operating subsidiaries were established to align business lines and execution strategy.

• Nearly $40M was raised to support lease originations, and a revolving line of credit was secured to strengthen liquidity.

• Lease originations commenced in 2026, with nationwide dealer onboarding and increased brand awareness initiatives.

Financial highlights

• Q4 2025 revenue decreased to $401,838 from $477,232 in Q4 2024; annual revenue for 2025 was $1,637,721 versus $2,160,874 in 2024.

• Q4 2025 gross profit was $171,827, down from $317,304 in Q4 2024; annual gross profit for 2025 was $616,943, compared to $1,118,108 in 2024.

• Q4 2025 net loss was $(5,050,962) compared to net income of $6,987,406 in Q4 2024; annual net loss for 2025 was $(12,250,171) versus net income of $6,229,527 in 2024.

• Q4 2025 EBITDA was $(4,719,260) versus $7,054,370 in Q4 2024; annual EBITDA for 2025 was $(11,468,435) compared to $6,417,277 in 2024.

• Adjusted EBITDA for Q4 2025 was $(3,866,337) and for the year was $(9,109,310), both lower than the prior year.

Outlook and guidance

• Management expects 2026 to be a defining year, with technology, capital, and infrastructure in place for growth.

• Active onboarding of new dealers and expansion of market presence are underway.